Reliable internet merchant account processing is vital to e-commerce business success. MerchantWorthy.com’s trusted services ensure internet merchants that they are receiving the best internet merchant account plans based on their business needs. Compare internet merchant accounts with our competitors to better understand the advantages of our internet merchant services. Want competitive rates, customized plans, and excellent customer service? Get an internet merchant account from MerchantWorthy.com.

How to Apply for an Internet Merchant Account

The internet merchant account application process at MerchantWorthy.com is fast and easy! Internet merchants must first contact MerchantWorthy.com by calling us toll-free at 800-357-0001. Internet businesses can also fill out a contact form and one of our experienced team members will respond quickly.

While speaking with a representative from our experienced team, internet merchants will answer questions regarding their businesses’ credit history, monthly processing volume, and policies. Our in-house, expert underwriting team will then work diligently to get their internet merchant accounts approved within 24-48 hours. It’s that simple.

Are E-commerce Retailers High Risk ?

Many internet merchants don’t realize that traditional merchant credit card processing banks may consider their businesses to be “high risk”. These banks recognize the high risk characteristics of e-commerce businesses, and therefore may deny traditional merchant accounts to internet merchants.

Common High Risk Characteristics of Internet Merchants An important fundamental characteristic of internet merchant businesses is that, unlike merchants with a ‘brick-and-mortar’ physical storefront or even MOTO retailers, internet merchants cannot physically validate their customers’ identification. This puts them at a higher risk for customer fraud or even customer chargebacks where merchandise is not returned.

Following is a list of some of the business characteristics or practices that may cause an internet merchant to be classified as a high risk merchant:

Internet businesses that process a high volume of credit card transactions. (Over $25,000 a month.)

E-commerce merchants that sell to international customers, and therefore require multicurrency processing

Online businesses that offer free trials followed by a recurring monthly payment. This revenue model is considered high risk by banks, as many subscribers will cancel their subscriptions following free trial periods or demand refunds.

Shopping Cart Software

Shopping cart and internet storefront software systems are a vital component of the e-commerce experience. MerchantWorthy.com is familiar with more than 250 e-commerce shopping cart and storefront software systems that are compatible with the e-processors. Internet merchants can consult with MerchantWorthy.com to find the best software to present and cart their catalog of goods and/or services.

Internet merchants with specific e-commerce needs should consult with MerchantWorthy.com’s expert team. MerchantWorthy.com has strong relationships with the best payment gateway and shopping cart software providers.

Internet Merchant Payment Gateway Bundles

MerchantWorthy.com bundles payment gateways into its internet merchant accounts to facilitate the implementation of virtual terminals, batch upload and processing, recurring billing and data encryption. We work with reputed payment gateways such as Authorize.net, Network Merchants Inc. (NMI), Plug N Pay, LinkPoint, YourPay and Versatile Pay that provide features such as Address Verification System (AVS) and PIN-based transactions.

MerchantWorthy.com™ provides quotes for merchant services based solely on information it receives from the merchant and only when sufficient information has been provided. MerchantWorthy.com™ does not guarantee a rate quote until the data provided online has been verified with the merchant.